Payday loan, title loan, personal loan, or advance loan -- Problem with a company's investigation into an existing problem -- Complaint #18331396
Complaint Overview
Complaint ID: 18331396
Company: Marlette Funding, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Problem with personal statement of dispute
State: Virginia
ZIP Code: 23606
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint concerns the unlawful collection, servicing, and credit reporting of a consumer loan by entities that have admitted in writing that they do not own the loan, can not prove entitlement to enforce it, and failed to disclose mandatory ownership and accounting information required under federal consumer financial laws. Despite repeated written requests for validation, ownership disclosure, and GAAP-compliant accounting, the responding entities have continued to treat this loan as collectible and reportable while failing to produce any legally sufficient proof of creditor status. Most critically, XXXX XXXX, XXXX provided a Chain-of-Title memorandum admitting that my loan was rapidly sold through multiple trusts and investors, yet failed to produce any assignment instruments, endorsement evidence, ownership register, or proof of entitlement to enforce.
Frequently Asked Questions
What is Complaint #18331396 about?
Complaint #18331396 was filed against Marlette Funding, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-28T12:00:00-05:00.
How did Marlette Funding, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Marlette Funding, LLC?
Yes, visit the Marlette Funding, LLC company profile at readthecomplaint.com/company/marlette-funding-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.